Phoenix Discharged Debts

DEBTS WHICH MAY NOT BE DISCHARGED THROUGH YOUR BANKRUPTCY.

• Guaranteed Educational Loans.
• Income taxes less than three (3) years old.
• Income taxes over three years old and tax return not filed more than 2 years ago.
• Income taxes not assessed at least 240 days.
• Payroll taxes, sales taxes, property taxes.
• Debt incurred to pay a nondischargeable federal tax [BC 523(a)(14)].
• Willful evasion of tax or fraudulent tax return ("tax protester").
• Tax or judgment claims secured by lien on property owned by debtor
• Spousal or child support, or ex-spouses attorney fees for obtaining support.
• Debts incurred by fraud or lying with the intent to deceive.
• Criminal fines or restitution or drunken driving injury claims.
• Fine or penalty owed to governmental unit.
• Damages arising from willful injury to person or property.
• Professional Malpractice under extreme circumstances.
• Secured Debts where client wishes to retain the collateral, such as vehicles, home, etc. (May be discharged, but payment must be made to retain the property).
• Co-signed debts where debtor does not want creditor to go after the co-signor.
• Debts not included on the bankruptcy schedules.